iXray Annuities

How One Couple Used a Hybrid Annuity to Cover Their Long-Term Care Needs

James and Rebecca had been married for 35 years. They were active, financially responsible, and enjoying the freedom of retirement. Then, the unexpected happened—Rebecca was diagnosed with early-stage Parkinson’s.

𝗧𝗵𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗿𝗲𝗮𝗹𝗶𝘁𝘆 𝗵𝗶𝘁 𝘁𝗵𝗲𝗺 𝗵𝗮𝗿𝗱:

$6,000 per month for in-home care
$8,500 per month for assisted living
$100,000+ annually for full-time skilled nursing care
Like most retirees, they assumed Medicare would cover these expenses. But it didn’t. Their lifetime savings was suddenly at risk.

𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲𝘆 𝗱𝗶𝗱 𝘁𝗼 𝗽𝗿𝗼𝘁𝗲𝗰𝘁 𝘁𝗵𝗲𝗺𝘀𝗲𝗹𝘃𝗲𝘀:

Moved a portion of their savings into a hybrid annuity—ensuring guaranteed lifetime income that could double for long-term care needs.
Used tax-free withdrawals for healthcare expenses—reducing the impact on their retirement accounts.
Maintained full control over their care options—giving them the flexibility to receive the best care possible without burdening their family.
James later said, “This was the smartest financial decision we ever made. Rebecca’s care is covered, and I can still enjoy retirement without fear.”

If you had to cover an unexpected healthcare bill next month, would your retirement plan survive? Comment below or send a message with "Care Plan" to explore your options.

These are hypothetical stories, the scenario is valid

𝗛𝗼𝘄 𝘁𝗼 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝗬𝗼𝘂𝗿 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗳𝗿𝗼𝗺 𝗥𝗶𝘀𝗶𝗻𝗴 𝗛𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 𝗖𝗼𝘀𝘁𝘀
Retirement is meant to be a time of freedom, but for many, unexpected healthcare expenses create financial stress that can quickly drain savings. Most retirees don’t realize how much medical costs can impact their future until it’s too late to adjust their plan.

Medicare does not cover everything, including dental, vision, hearing, and long-term care.
A single uncovered hospital stay can cost $10,000 or more.
Assisted living expenses can deplete savings in just a few years.
Without a structured financial plan, rising healthcare costs can force retirees to make difficult decisions, sacrificing their quality of life just to cover medical bills. The biggest financial mistake isn’t under-saving—it’s failing to plan for how savings will be used.

That’s where structured financial strategies like annuities can help.

Annuities provide a way to allocate funds specifically for healthcare expenses.
Some annuities offer long-term care multipliers, increasing the amount available for medical needs.
These financial products offer protection from market volatility, helping retirees maintain financial security.
By integrating a healthcare-focused income strategy, retirees can ensure they have dedicated funds for medical expenses without depleting their lifestyle savings. Planning ahead offers financial confidence and control, rather than relying on Medicare alone.

Waiting limits options. The best strategies need time to work. The sooner healthcare planning is integrated into retirement income, the stronger and more secure the future will be.

To learn how to protect your retirement savings from unexpected healthcare costs, watch the full video now.

Visit www.annuity.calrima.com for more information.

Features, benefits, and limitations vary by product, company, and state of issue. Always consult with a licensed insurance agent.
https://share.descript.com/view/h09NrpCGZzR

Healthcare Retirement Planning Video - Descript  How to Plan for Healthcare Costs Without Draining Retirement Savings Scene 1: Introduction "Retirement is supposed to be about freedom. Yet, for millions, an invisible financial challenge is waiting—

The Shocking Cost of Healthcare in Retirement (And How to Plan for It)
You’ve spent your life working hard, taking care of your family, and ensuring your retirement savings are in place. But there’s one financial risk most retirees underestimate—healthcare costs.

Consider these facts:

A healthy 65-year-old couple today will spend an estimated $315,000 on healthcare in retirement.
That number can climb beyond $500,000 if long-term care is needed.
Medicare doesn’t cover dental, vision, hearing, or most long-term care expenses.
Meet Cynthia. She was a retired educator with a strong financial plan—or so she thought. At 67, she was diagnosed with an autoimmune disorder requiring costly treatments. Within five years, her savings dropped from $480,000 to under $120,000 just covering medical bills.

𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝗮𝘁 𝗰𝗼𝘂𝗹𝗱 𝗵𝗮𝘃𝗲 𝗰𝗵𝗮𝗻𝗴𝗲𝗱 𝗵𝗲𝗿 𝘀𝘁𝗼𝗿𝘆:
Hybrid annuities with long-term care benefits—providing tax-advantaged income for care.
A strategic Medicare plan—maximizing benefits while reducing out-of-pocket costs.
A structured withdrawal strategy—ensuring financial security for the long term.
Most people assume they’ll figure it out when the time comes. But by then, it’s too late. What’s your plan?

Comment below or send a message saying "Retirement Ready" to start your free healthcare risk assessment.

I wish you could meet one of our clients. Imagine you walked in unsure about your future, and walk out with a plan that helps let you live freely. Your story is just beginning...

In the coming days, we will have some educational videos and downloadable materials. What would you like to learn about? DM or reply - let us know your needs.

We believe in smart money strategies. That’s why we help you secure annuities that offer guaranteed income and financial freedom. As the surviving spouse is looking over the income a sense of calm arouse - guaranteed income will continue.

Retirement isn’t the end—it’s a beginning.
Consider, the right financial foundation lets you step into this new chapter with confidence.
As you finish one race, the new one begins.

‘I don’t trust financial products.’ You’re not alone. That’s why transparency is our #1 priority. Annuities should work for you, not the other way around. When I first got in the business I reverse engineered how Fixed Index Annuities work and calculated income rider benefits.

Imagine your ideal retirement: travel, family, adventure. A guaranteed income stream makes it all possible. You just need the right plan. When you looked over your plan and could feel the confidence bubbling up. Even imaging the warmth of the sun and the gentle cool breeze blowing your hair ever so slightly...anyway. Consider having your plan refreshed.

‘If only I had started planning sooner…’ Sound familiar? The good news: The best time to start securing your retirement is now.

From the pages of 'Retire with Confidence'—the story of one woman who turned financial anxiety into financial peace with the right annuity plan.

We’re helping clients lock in lifetime income with fixed index annuities—no stock market rollercoaster, just peace of mind.

The greatest joy in retirement comes from security. Plan today so you can wake up each morning knowing your income is guaranteed.